Infinite Banking

💰 Be Your Own Bank. Build Your Own Legacy.

At Pristine Wealth Management, we believe in empowering clients with strategies that offer control, liquidity, and long-term growth. Infinite Banking is one such strategy—designed to help you recapture interest, access capital on your terms, and build wealth that works for you and your family.

What Is Infinite Banking?

Infinite Banking is a financial strategy that uses a specially designed permanent life insurance policy to create your own personal banking system. By building cash value inside the policy, you can borrow against it for investments, emergencies, or opportunities—without interrupting the compounding growth of your money.

This isn’t about buying insurance for the sake of coverage—it’s about leveraging insurance as a financial tool to unlock liquidity, enjoy tax advantages, and build generational wealth.

Whole Life vs. Indexed Universal Life: Which Fits Best?

There are two common types of life insurance used in Infinite Banking strategies: Whole Life Insurance and Indexed Universal Life (IUL). Both can be effective, but they offer different experiences depending on your financial goals and comfort with risk.

Whole Life Insurance offers steady, guaranteed cash value growth and is known for its predictability and long-term stability. It’s ideal for those who want consistent growth and fixed premiums, often enhanced by non-guaranteed dividends from the insurer.

On the other hand, Indexed Universal Life links its cash value growth to market indexes, offering the potential for higher returns, but with greater variability. While IULs often have built-in caps and floors to manage risk, they also allow for more flexible premiums and death benefit options—making them appealing for those who value customization and are comfortable with moderate market exposure.

At Pristine, we help you evaluate both approaches and choose the one that aligns with your comfort level, timeline, and vision for the future.

Integrated Into Your Wealth Strategy

Our approach to Infinite Banking is fully integrated into your broader financial plan. That includes:

• Designing the policy to maximize cash value accumulation—not just the death benefit
• Coordinating policy loans with investment opportunities, business needs, or lifestyle goals
• Aligning the strategy with your tax plan to take advantage of tax-deferred growth and tax-free access
• Incorporating the death benefit into your estate and legacy planning for multigenerational wealth transfer

At Pristine, we don’t just help you grow wealth—we help you control it. Let’s build a banking system that works for you, not the other way around.